Study On The Development Of Community Banks In China Under The Background Of Financial Disintermediation

China's commercial banks face the fierce competition in the market and the transformation of new technology,the urgent need to find a suitable development path for China's commercial banks.However,China's community banks are still in the early stages of development,there is no relatively mature mode of operation,the lack of awareness of their own positioning,product and service on the homogenization of serious,did not form their own characteristics.Comparatively speaking,the American community bank model has been quite mature,forming the ecological effect of the service and business model of the big American banks.In order to promote the sustainable and stable development of the community bank in our country,we must learn from the successful experience of the development of the American community bank.This paper from the advance of interest rate market,and the Internet Financial of community bank influence of motivation on the development of community banks,from the point of financial disintermediation,community banks,financial disintermediation and the banking industry,the relationship between the development of financial disintermediation on community banks influence the four dimensions of research at home and abroad are summarized in this paper;secondly,analyzed the status quo of community banks of China's commercial banks and the main mode,through the comparison with the Wells Fargo Bank community bank business,points out many problems of community banks in China exposed in recent years in the development process,pointed out the direction for the development of community banks in China;finally,community bank branches select the JN area 6 has been completed as samples,detailed comparative analysis summed up the community banks in China from nine dimensions of its business model The characteristics,combined with the customer questionnaire survey JN area of community banks ideas and requirements,in order to explore feasible countermeasures and suggestions for the development of community banks in China: reference to intensify and the construction of community banks to establish community bank market access and withdrawal mechanism;through real retail business;scientific selection;on the basis of channel construction;grasp customer base;experience marketing strategy;accelerate the development of Internet banking.